PNB Housing Finance Ltd

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PNB Housing Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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PNB Housing Finance Ltd

₹ 1,098 1.22%
29 Sep - close price
pnbhousing.com BSE: 540173 NSE: PNBHOUSING F&O
About

PNB Housing Finance offers retail customers housing and non-housing loans, including individual home loans, loan against property, non-resident property loan, among others. It is promoted by Punjab National Bank. [1]

Key Points

Service Offerings
The company provides loans to purchase, construct, repair, and upgrade houses. It also provides loans for commercial space, loans against property, and loans for purchasing residential plots. [1]

Website BSE NSE F&O
  • Market Cap ₹ 28,729 Cr.
  • Current Price ₹ 1,098
  • High / Low ₹ 1,212 / 730
  • Stock P/E 12.4
  • Book Value ₹ 738
  • Dividend Yield 0.73 %
  • ROCE 9.40 %
  • ROE 12.7 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 19.7% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 2.24% over past five years.
  • Company has a low return on equity of 12.2% over last 3 years.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

Part of Nifty Total Market BSE 250 SmallCap Index Nifty High Beta 50 BSE 1000 Nifty MidSmallcap 400

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
1,708 1,778 1,755 1,810 1,823 1,879 1,942 2,022 2,076 2,128 2,119 2,182 2,263
Interest 1,048 1,057 1,087 1,070 1,097 1,118 1,158 1,178 1,234 1,267 1,253 1,246 1,339
201 204 216 170 168 143 155 133 145 88 183 52 192
Financing Profit 459 517 452 570 559 618 629 711 697 773 683 883 733
Financing Margin % 27% 29% 26% 31% 31% 33% 32% 35% 34% 36% 32% 40% 32%
0 2 1 4 9 1 1 15 6 3 2 -10 2
Depreciation 13 11 13 14 13 14 14 14 15 16 16 19 16
Profit before tax 447 507 440 560 554 605 616 711 688 760 668 855 718
Tax % 22% 24% 23% 22% 22% 22% 22% 23% 22% 23% 22% 23% 22%
347 383 338 439 433 470 483 550 534 582 520 656 557
EPS in Rs 13.38 14.75 13.03 16.91 16.66 18.08 18.60 21.17 20.51 22.33 19.97 25.17 21.39
Gross NPA % 1.24% 1.19% 1.06% 1.04% 1.04% 0.93% 0.95%
Net NPA % 0.84% 0.80% 0.69% 0.69% 0.68% 0.57% 0.58%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
5,489 7,679 8,482 7,604 6,196 6,527 7,053 7,685 8,494 8,692
Interest 3,537 5,167 5,875 5,100 4,065 3,900 4,263 4,552 5,001 5,104
693 750 1,737 1,254 998 1,217 789 598 467 515
Financing Profit 1,258 1,762 870 1,250 1,133 1,410 2,001 2,535 3,027 3,073
Financing Margin % 23% 23% 10% 16% 18% 22% 28% 33% 36% 35%
0 4 7 16 5 2 4 6 10 -3
Depreciation 24 31 66 59 53 51 51 56 66 68
Profit before tax 1,235 1,734 811 1,207 1,084 1,361 1,954 2,486 2,971 3,001
Tax % 32% 31% 20% 23% 23% 23% 23% 22% 23%
841 1,192 646 930 836 1,046 1,508 1,936 2,291 2,315
EPS in Rs 32.86 46.29 25.00 35.96 32.28 40.31 58.06 74.49 87.94 88.86
Dividend Payout % 18% 13% 0% 0% 0% 0% 0% 7% 9%
Compounded Sales Growth
10 Years: %
5 Years: 2%
3 Years: 9%
TTM: 10%
Compounded Profit Growth
10 Years: %
5 Years: 20%
3 Years: 30%
TTM: 14%
Stock Price CAGR
10 Years: %
5 Years: 16%
3 Years: 17%
1 Year: 26%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 12%
Last Year: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 167 167 168 168 169 169 260 260 261
Reserves 6,401 7,376 7,830 8,755 9,703 10,845 14,715 16,603 18,959
Borrowing 53,777 71,859 67,735 59,392 52,961 53,621 55,017 62,310 71,199
2,670 4,466 3,197 3,077 2,897 2,238 2,414 3,348 3,094
Total Liabilities 63,014 83,869 78,930 71,392 65,730 66,874 72,405 82,520 93,512
76 103 251 181 150 146 207 239 274
CWIP 10 5 4 2 4 3 15 16 6
Investments 2,413 4,561 2,076 2,045 3,483 3,196 4,346 3,381 2,779
60,516 79,200 76,599 69,164 62,093 63,528 67,837 78,884 90,453
Total Assets 63,014 83,869 78,930 71,392 65,730 66,874 72,405 82,520 93,512

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-15,664 -16,617 8,928 6,792 6,254 -1,865 -4,662 -8,057 -8,984
-50 -54 -63 -6 -1,475 176 -1,186 757 684
18,464 17,888 -4,386 -8,332 -6,732 301 4,179 7,404 8,720
Net Cash Flow 2,751 1,217 4,480 -1,546 -1,953 -1,388 -1,669 104 421
Free Cash Flow -15,713 -16,671 8,866 6,786 6,239 -1,880 -4,701 -8,106 -9,016
CFO/OP -317% -232% 137% 112% 127% -29% -69% -108% -105%

Ratios

Consolidated / View Standalone

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 13% 17% 8% 11% 9% 10% 12% 12% 13%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Non-Performing Assets (GNPA)
%

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Number of Branches
Count
Total Disbursements
INR Crore
Total Loan Asset
INR Crore
Average Ticket Size - Individual Housing Loan
INR Lakh
Live Loan Accounts
Count
Affordable (Roshni) Loan Asset
INR Crore
Incremental Yield - Affordable Segment
%

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
28.14% 28.13% 28.13% 28.13% 28.11% 28.11% 28.10% 28.08% 28.04% 28.04% 28.04% 28.03%
24.81% 24.70% 25.00% 17.89% 20.42% 24.34% 21.45% 24.18% 18.61% 17.22% 16.60% 16.81%
7.72% 7.86% 6.88% 10.95% 22.17% 26.85% 29.88% 37.99% 40.68% 43.02% 44.07% 45.71%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.02% 0.02% 0.02%
39.32% 39.32% 39.98% 43.04% 29.29% 20.69% 20.57% 9.74% 12.65% 11.69% 11.28% 9.42%
No. of Shareholders 1,19,6311,24,6561,33,1771,62,9381,58,7991,83,4821,82,0701,87,5262,24,1831,99,9301,92,5121,71,742

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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